Research On The Operation Of Asset Pool In FYB Bank Under The New Regulatory Situation

In recent years,the asset pool business of China's commercial banks has developed rapidly,and it has gradually become a new profit growth point for banks and one of the most important business models.However,due to the lack of financial market supervision of bank asset pool business,“rolling sales,The operational characteristics of collective operation,maturity mismatch,and separation pricing have large risks.With the increasingly strict supervision of China's financial market,the asset pool business is facing major business transformation and optimization adjustment.Based on the new regulatory situation,the key to the rationalization of commercial bank asset pool business is whether to achieve independent accounting,dynamic management,risk control and information disclosure based on new regulatory requirements,so as to better adapt to market development and bank credit.The requirements of supervision,avoiding risks,make the operation of the commercial bank wealth management products market more stable and healthy.Therefore,this paper takes this as the research direction,systematically analyzes the transformation and development of the business model of China's commercial banks' asset pool business under the new regulatory requirements.In the actual research,this paper firstly analyzes the domestic and foreign research status and related theories of the bank's asset pool business to form the theoretical research basis of this paper.Then it systematically studies the development history and development status of the commercial pool asset pool business,highlighting the new The significance of asset pool business transformation optimization and standardized development under the supervision situation;then,this paper evaluate and analyze the adjusted asset pool business model of FYB Bank based on the new regulatory situation,and not only confirm the improved asset pool business.The advantages of the asset pool business are still analyzed and explained.On this basis,the paper constructs the VAR model and risk assessment index system respectively,and empirically studies the profit rate of FYB bank asset pool business and internal and external risk factors.Combined with the problems of the business model,the paper summarizes the shortcomings of the FYB bank asset pool business.Finally,based on the empirical research conclusions,this paper focuses on asset pricing,business optimization,risk assessment,information disclosure and assets.Five aspects of management Development of the road sector restructuring bank assets pool business,results path rationalization of commercial banks to create a pool of business income and balanced development of regulatory risk under the new regulatory situation,in order to achieve long-term development and progress of commercial bank assets pool business.